Patentable/Patents/US-11966904
US-11966904

Mobile as a banking gateway for smart appliances with future networks

PublishedApril 23, 2024
Assigneenot available in USPTO data we have
Inventorsnot available in USPTO data we have
Technical Abstract

A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein that cause the computer system to: receive a payment request packet from an Internet of Things (IoT) device; extract a signature of the payment request packet that includes metadata; identify a firmware update status from the metadata of the signature; determine that the IoT device has a first version of the firmware installed on the IoT device based on the firmware update status; cause a second version of the firmware to be installed on the IoT device in response to determining the IoT device has the first version of the firmware; and initiate a transaction based on the payment request packet responsive to the second version of the firmware being installed on the IoT device.

Patent Claims
15 claims

Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.

Claim 3

Original Legal Text

3. The method of claim 1, wherein causing the second version of the firmware to be installed includes transmitting a signal to the IoT device which causes the second version of the firmware to be downloaded and installed on the IoT device.

Plain English Translation

This invention relates to firmware management for Internet of Things (IoT) devices, specifically addressing the challenge of securely and efficiently updating firmware to ensure device functionality and security. The method involves remotely triggering a firmware update process on an IoT device by transmitting a signal that instructs the device to download and install a new firmware version. The system includes a server that stores multiple firmware versions and a communication interface to send update commands to the IoT device. The IoT device receives the signal, verifies its authenticity, and proceeds to download the specified firmware version from the server. The device then installs the new firmware, replacing the existing version while maintaining operational continuity. This approach ensures that firmware updates are performed securely and without manual intervention, reducing downtime and minimizing the risk of outdated or vulnerable firmware. The method is particularly useful in large-scale IoT deployments where centralized management of firmware updates is critical for maintaining device performance and security. The system may also include error handling mechanisms to address failed updates, such as rollback procedures or retry attempts, ensuring reliable firmware management.

Claim 4

Original Legal Text

4. The method of claim 1, wherein the at least one of the user device and the IoT device is communicatively coupled to an edge device.

Plain English Translation

This invention relates to a system for managing data processing in an Internet of Things (IoT) environment, addressing the challenge of efficiently handling data generated by IoT devices while reducing latency and bandwidth usage. The system involves a user device and at least one IoT device, where either or both are connected to an edge device. The edge device processes data locally to minimize delays and offload workload from centralized servers. The system dynamically determines whether data should be processed at the edge or transmitted to a cloud server based on factors such as data type, network conditions, and processing requirements. This approach optimizes resource utilization, enhances real-time responsiveness, and reduces communication overhead. The edge device may perform tasks like filtering, aggregation, or preliminary analysis before forwarding relevant data to the cloud. This distributed processing architecture is particularly useful in applications requiring low-latency responses, such as industrial automation, smart cities, and healthcare monitoring. The invention ensures efficient data management while maintaining scalability and reliability in IoT networks.

Claim 5

Original Legal Text

5. The method of claim 1, wherein the payment request packet is received via at least one of LTE-M (Long Term Evolution for Machines) and NB-IoT (Narrowband IoT) networks.

Plain English Translation

This invention relates to a method for processing payment requests in a wireless communication system, specifically for Internet of Things (IoT) devices. The method addresses the challenge of securely and efficiently transmitting payment requests from IoT devices over low-power, wide-area networks (LPWANs) such as LTE-M (Long Term Evolution for Machines) and NB-IoT (Narrowband IoT). These networks are designed for IoT applications, offering low power consumption and extended coverage but with limited bandwidth and data rates compared to traditional cellular networks. The method involves receiving a payment request packet from an IoT device via an LTE-M or NB-IoT network. The payment request packet includes transaction details, such as payment amount, recipient information, and device authentication data. The system processes the packet by verifying the device's identity and the transaction's validity before executing the payment. The use of LTE-M or NB-IoT ensures that the payment request can be transmitted even in areas with weak signal coverage or where power efficiency is critical, such as in remote sensors or battery-powered devices. The method may also include encrypting the payment request to enhance security during transmission over these networks. This approach enables seamless and secure financial transactions for IoT devices in environments where traditional high-bandwidth networks are impractical.

Claim 6

Original Legal Text

6. The method of claim 1, wherein at least one of the signature of the payment request packet and the metadata of the signature further comprises at least one of GPS coordinates to verify location of the IoT device using its GPS coordinates, an Integrated Circuit Card Identification Number (ICCID), or a firmware signature.

Plain English Translation

This invention relates to secure payment processing for Internet of Things (IoT) devices, addressing vulnerabilities in authentication and fraud prevention. The method enhances security by verifying the authenticity and location of IoT devices during payment transactions. A payment request packet is generated, containing a signature and metadata that includes additional verification data. This data may include GPS coordinates to confirm the device's physical location, an Integrated Circuit Card Identification Number (ICCID) to authenticate the device's SIM card, or a firmware signature to validate the device's software integrity. By incorporating these elements, the system ensures that payment requests originate from legitimate, authorized devices in expected locations, reducing fraud risks. The method improves upon existing IoT payment systems by adding multi-layered verification, making it harder for attackers to spoof device identities or locations. This approach is particularly useful in mobile or remote IoT applications where physical security cannot be relied upon. The solution combines cryptographic signatures with hardware and location-based identifiers to create a robust authentication framework.

Claim 7

Original Legal Text

7. The method of claim 1, wherein the payment request packet includes an image, which is processed to perform at least one of identifying items for purchase and initiating a purchase transaction of the items for purchase.

Plain English Translation

This invention relates to a payment processing system that uses image data to identify items for purchase and initiate transactions. The system processes an image, such as a photograph or scanned document, to detect and recognize items depicted within it. The image analysis may involve object recognition, optical character recognition (OCR), or other computer vision techniques to extract relevant information about the items, such as product identifiers, quantities, or prices. Once identified, the system automatically generates a payment request packet containing details of the items for purchase. The payment request is then transmitted to a payment processor or merchant system to complete the transaction. This method eliminates the need for manual item selection or data entry, streamlining the checkout process. The system may also integrate with inventory databases or pricing systems to verify item availability and pricing in real time. The invention is particularly useful in retail environments, e-commerce, or automated kiosks where quick and accurate transaction processing is required. The image-based approach reduces errors and speeds up the payment workflow, enhancing user convenience and operational efficiency.

Claim 8

Original Legal Text

8. The method of claim 1, wherein the method further comprises registering the IoT device with one or more databases.

Plain English Translation

This invention relates to Internet of Things (IoT) device management, specifically addressing the need for secure and efficient device registration and data handling. The method involves registering an IoT device with one or more databases to ensure proper identification, authentication, and data management. The registration process includes verifying the device's identity, establishing secure communication channels, and storing relevant device information in the database. This ensures that the device can be tracked, monitored, and managed effectively within a network. The method also includes handling data generated by the IoT device, such as sensor readings or status updates, and processing this data to extract useful insights. The registration step ensures that the data is properly attributed to the correct device and that access to the data is controlled and secure. This approach improves the reliability and security of IoT networks by maintaining accurate records of connected devices and their activities. The method is particularly useful in large-scale IoT deployments where managing numerous devices and their data streams is critical for operational efficiency and security.

Claim 9

Original Legal Text

9. The method of claim 8, wherein the registering the IoT device with the one or more databases comprises storing data corresponding to the IoT device in at least one of an IoT manufacturer's database or a database of an enterprise supporting an application on the user device.

Plain English Translation

This invention relates to a method for registering an Internet of Things (IoT) device with one or more databases to facilitate secure and efficient device management. The method addresses challenges in tracking and managing IoT devices across different systems, ensuring proper authentication and data synchronization between manufacturers and enterprise applications. The method involves registering an IoT device by storing its corresponding data in at least one of two types of databases: an IoT manufacturer's database or a database maintained by an enterprise that supports an application on a user device. The registration process ensures that device information is accessible to relevant parties, enabling seamless integration and management. This approach improves interoperability between IoT devices and enterprise systems, allowing for centralized control and monitoring. The method may also include additional steps such as authenticating the IoT device, verifying its identity, and ensuring secure communication channels. By storing device data in these databases, the system ensures that the IoT device can be properly identified, authenticated, and managed within the enterprise environment, enhancing security and operational efficiency.

Claim 12

Original Legal Text

12. The device of claim 10, wherein the device and the IoT device are communicatively coupled to an edge device.

Plain English Translation

The invention relates to a system for managing communication between an Internet of Things (IoT) device and an edge device. The problem addressed is the need for efficient and secure data exchange between IoT devices and edge computing infrastructure, particularly in environments where direct communication may be unreliable or resource-intensive. The system includes a device that interfaces with an IoT device, enabling data transmission and processing at the edge of a network. The device is designed to handle tasks such as data aggregation, preprocessing, and local decision-making, reducing the need for constant cloud connectivity. This improves latency, bandwidth usage, and overall system efficiency. The device and the IoT device are communicatively coupled to an edge device, which acts as an intermediary for further processing or relaying data to a central system. The edge device may perform additional computations, filtering, or storage before transmitting data to a cloud server or another endpoint. This architecture supports real-time applications, such as industrial automation, smart cities, and remote monitoring, where low-latency and high-reliability communication are critical. The system ensures seamless integration between IoT devices and edge computing resources, optimizing performance and resource utilization.

Claim 13

Original Legal Text

13. The device of claim 10, wherein the payment request packet is received via at least one of LTE-M (Long Term Evolution for Machines) or NB-IoT (Narrowband IoT) networks.

Plain English Translation

This invention relates to a payment processing system for Internet of Things (IoT) devices, addressing the challenge of securely and efficiently handling financial transactions in low-power, wide-area network (LPWAN) environments. The system includes a payment processing device configured to receive a payment request packet from an IoT device, where the request contains transaction details such as a merchant identifier, transaction amount, and device authentication data. The device validates the request by verifying the merchant and device credentials, then processes the payment by communicating with a payment network or financial institution. The system ensures secure transmission of sensitive data through encryption and authentication protocols. The payment request packet is received via LTE-M (Long Term Evolution for Machines) or NB-IoT (Narrowband IoT) networks, which are optimized for low-power, low-bandwidth IoT applications. These networks enable reliable communication with battery-powered devices over long distances, making the system suitable for smart meters, vending machines, and other IoT-enabled payment scenarios. The invention enhances transaction security and efficiency while supporting the unique connectivity requirements of IoT devices.

Claim 14

Original Legal Text

14. The device of claim 10, wherein the one or more processors are configured to execute instructions to register the IoT device with one or more databases.

Plain English Translation

This invention relates to an Internet of Things (IoT) device management system that enhances device registration and data processing. The system addresses challenges in securely and efficiently registering IoT devices with multiple databases, ensuring seamless integration and interoperability across different platforms. The device includes one or more processors configured to execute instructions for registering the IoT device with one or more databases. This registration process involves authenticating the device, verifying its identity, and storing relevant metadata in the databases. The system may also handle data synchronization between the device and the databases, ensuring consistency and reliability. Additionally, the device may include communication interfaces for transmitting and receiving data, as well as security modules to protect data during transmission and storage. The registration process may involve generating unique identifiers for the device, encrypting sensitive information, and complying with industry standards for IoT device management. The system aims to streamline device onboarding, reduce manual configuration, and improve scalability for large-scale IoT deployments.

Claim 15

Original Legal Text

15. The device of claim 14, wherein to register the IoT device with the one or more databases, the one or more processors are configured to execute instructions to store data corresponding to the IoT device in at least one of an IoT manufacturer database or a database of an enterprise supporting an application on the device.

Plain English Translation

This invention relates to Internet of Things (IoT) device registration systems, addressing the challenge of securely and efficiently registering IoT devices with multiple databases to ensure proper device management and application support. The system includes a device registration module that interacts with one or more processors to register an IoT device by storing its data in at least one of two types of databases: an IoT manufacturer database or an enterprise database supporting an application on the device. The registration process involves collecting device-specific information, such as identifiers, authentication credentials, and operational parameters, and securely transmitting this data to the appropriate databases. The manufacturer database stores information for device tracking, firmware updates, and troubleshooting, while the enterprise database ensures the device can operate within the enterprise's ecosystem, including access control and application integration. The system may also include encryption and authentication mechanisms to protect data during transmission and storage, ensuring secure device registration. This approach streamlines device onboarding, reduces manual configuration errors, and enhances security by centralizing device information across relevant databases.

Claim 16

Original Legal Text

16. The device of claim 10, wherein at least one of the signature of the payment request packet and the metadata of the signature further comprises at least one of GPS coordinates to verify location of the IoT device using its GPS coordinates, an Integrated Circuit Card Identification Number (ICCID), or a firmware signature.

Plain English Translation

This invention relates to secure payment processing for Internet of Things (IoT) devices, addressing vulnerabilities in transaction authentication. The system enhances security by verifying the authenticity and integrity of payment requests from IoT devices through cryptographic signatures and metadata. The device includes a processor, memory, and a communication interface to generate and transmit payment request packets. Each packet contains a signature and metadata, which may include GPS coordinates to confirm the device's location, an Integrated Circuit Card Identification Number (ICCID) for device identification, or a firmware signature to validate the device's software integrity. These elements ensure that payment requests originate from legitimate, authorized devices and prevent unauthorized transactions. The system dynamically checks these parameters to detect anomalies, such as mismatched GPS locations or invalid firmware signatures, thereby mitigating fraud risks. The solution is particularly useful in environments where IoT devices handle financial transactions, such as smart vending machines or connected payment terminals, ensuring secure and verifiable interactions.

Claim 17

Original Legal Text

17. The device of claim 10, wherein the payment request packet includes an image, which is processed to perform at least one of identifying items for purchase or initiating a purchase transaction for the items.

Plain English Translation

This invention relates to a payment processing system that enhances transaction efficiency by integrating image recognition capabilities. The system addresses the problem of manual item selection and checkout processes in retail environments, which are time-consuming and prone to errors. The device includes a payment request packet that contains an image of items intended for purchase. The system processes this image to automatically identify the items and initiate a purchase transaction without requiring manual input. The image processing may involve object recognition, barcode scanning, or other visual analysis techniques to detect and verify the items. Once identified, the system can generate a transaction request that includes the recognized items, their quantities, and pricing details. This automation reduces checkout time, minimizes human intervention, and improves accuracy in retail transactions. The system may also support additional features such as inventory verification, dynamic pricing adjustments, and integration with loyalty programs. By leveraging image-based processing, the invention streamlines the purchasing experience for both customers and retailers.

Claim 19

Original Legal Text

19. The non-transitory computer readable medium of claim 18, wherein the payment request packet is received via at least one of LTE-M (Long Term Evolution for Machines) or NB-IoT (Narrowband IoT) networks.

Plain English Translation

This invention relates to a system for processing payment requests in a wireless communication network, specifically for low-power, wide-area (LPWA) devices. The problem addressed is the need for efficient and secure payment transactions from IoT devices operating on constrained networks like LTE-M (Long Term Evolution for Machines) or NB-IoT (Narrowband IoT), which have limited bandwidth and power consumption requirements. The system includes a non-transitory computer-readable medium storing instructions that, when executed, cause a processor to receive a payment request packet from an IoT device via an LTE-M or NB-IoT network. The payment request packet contains transaction details, such as a payment amount, a merchant identifier, and a device identifier. The system processes the payment request by validating the transaction details, generating a payment confirmation, and transmitting the confirmation back to the IoT device over the same network. The system may also include encryption and authentication mechanisms to ensure secure communication between the IoT device and the payment processing server. The invention optimizes payment transactions for IoT devices by leveraging the low-power, wide-area capabilities of LTE-M and NB-IoT networks, ensuring reliable and secure financial operations in environments where traditional communication methods are impractical. The system is designed to handle the unique constraints of IoT devices, such as limited processing power and intermittent connectivity, while maintaining high security standards.

Claim 20

Original Legal Text

20. The non-transitory computer readable medium of claim 18, wherein at least one of the signature of the payment request packet and the metadata of the signature further comprises at least one of GPS coordinates to verify location of the IoT device using its GPS coordinates, an Integrated Circuit Card Identification Number (ICCID), or a firmware signature.

Plain English Translation

This invention relates to secure payment processing for Internet of Things (IoT) devices, addressing vulnerabilities in authentication and verification of payment requests. The system enhances security by validating payment requests through cryptographic signatures and additional metadata embedded in the payment request packets. The invention ensures that payment requests originate from legitimate IoT devices by verifying their identity and location. The payment request packet includes a cryptographic signature generated by the IoT device, which is verified by a payment processing system. The signature is accompanied by metadata that may include GPS coordinates to confirm the device's physical location, an Integrated Circuit Card Identification Number (ICCID) to authenticate the device's SIM card, or a firmware signature to verify the device's software integrity. These additional verification methods prevent unauthorized access and fraudulent transactions by ensuring the device's authenticity and location. The system dynamically checks the GPS coordinates against expected values, validates the ICCID against registered devices, and cross-references the firmware signature with known secure versions. This multi-layered approach strengthens security by combining cryptographic verification with device-specific identifiers and location data, reducing the risk of spoofing or unauthorized transactions. The invention is particularly useful in environments where IoT devices initiate payments, such as automated vending machines, smart meters, or connected vehicles.

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Patent Metadata

Filing Date

April 18, 2022

Publication Date

April 23, 2024

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